In New Braunfels, a typical home is worth $339,400 and typical rent is $1,654 a month. Compared with all of Comal County, the typical home value is 21% lower, typical household income is 16% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $352,610 to $345,353.
Typical rent
$1,560a month
▲ 0.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,586 to $1,560.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
New Braunfels is in Comal County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Comal County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Seguin, the typical rent is $1,187: 28% less than in New Braunfels ($1,654).
2
Nearby, in Seguin, the typical home value is $249,400: 27% less than in New Braunfels ($339,400).
3
The typical home in New Braunfels is worth $339,400,21% less than in Comal County as a whole ($427,200).
4
65% of households in New Braunfels own their home, against 77% in Comal County.
5
The typical household income in New Braunfels is $86,021,16% less than in Comal County as a whole ($101,889).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in New Braunfels
What homes there are in New Braunfels, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
New Braunfels
Comal County
Texas
United States
Kind of home: New Braunfels and its comparisons
Measure
New Braunfels
Comal County
Texas
United States
Detached house
68%
75%
64%
61%
Attached house
3%
2%
3%
6%
Building of 2 to 4
4%
3%
5%
8%
Apartments (5 or more)
20%
12%
21%
19%
Mobile home
4%
8%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In New Braunfels, 7 in 10 homes are single-family detached houses; in Comal County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
New Braunfels
Comal County
Texas
United States
Year built: New Braunfels and its comparisons
Measure
New Braunfels
Comal County
Texas
United States
Before 1960
8%
6%
12%
26%
1960–1979
12%
11%
21%
24%
1980–1999
17%
23%
28%
25%
2000–2009
23%
20%
18%
14%
2010 or later
40%
39%
21%
11%
The typical year built in New Braunfels is 2006, about the same as in Comal County (2005).
There are fewer big homes in New Braunfels than in Comal County: 68% have 3 bedrooms or more, against 74%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K7%
$100K–$200K5%
$200K–$300K26%
$300K–$500K47%
$500K–$750K11%
FHA limit: $557,750
$750K–$1M3%
$1M or more1%
Value of owner-occupied homes: New Braunfels and its comparisons
Measure
New Braunfels
Under $100K
7%
$100K–$200K
5%
$200K–$300K
26%
$300K–$500K
47%
$500K–$750K
11%
$750K–$1M
3%
$1M or more
1%
About 87% of owner-occupied homes in New Braunfels are worth less than the FHA loan limit for Comal County ($557,750).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9996%
$1,000–$1,49930%
$1,500–$1,99937%
$2,000–$2,49916%
$2,500–$2,9995%
$3,000 or more3%
Monthly rent with utilities: New Braunfels and its comparisons
Measure
New Braunfels
Under $500
Unreliable estimate
$500–$999
6%
$1,000–$1,499
30%
$1,500–$1,999
37%
$2,000–$2,499
16%
$2,500–$2,999
5%
$3,000 or more
3%
With a mortgage
$2,088 a month
Comal County: $2,405 a month
Without a mortgage
$745 a month
Comal County: $751 a month
Owners with a mortgage
64%
Comal County: 61%
The typical cost for an owner with a mortgage in New Braunfels is $2,088 a month, less than in Comal County ($2,405); without one, $745.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
New Braunfels+55%
Comal County+51%
Texas+65%
United States+53%
Typical rent
New Braunfels+40%
Comal County+40%
Texas+34%
United States+33%
Typical household income
New Braunfels+21%
Comal County+28%
Texas+27%
United States+29%
Change since 2015–2019: New Braunfels and its comparisons
Measure
New Braunfels
Comal County
Texas
United States
Typical home value
+55%
+51%
+65%
+53%
Typical rent
+40%
+40%
+34%
+33%
Typical household income
+21%
+28%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in New Braunfels rose 55%; in Comal County, it rose 51%.
The typical rent in New Braunfels rose 40% since 2015–2019, about the same as in Comal County (40%).
The typical household income in New Braunfels rose 21%: less than home values (+55%) and rent (+40%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: New Braunfels and its comparisons
Measure
New Braunfels
Comal County
Texas
United States
Rental vacancy
6.1%
6.6%
7.7%
5.5%
Homeowner vacancy
1.4%
1.3%
1.1%
0.9%
More than one person per room
2.0%
2.1%
4.8%
3.4%
People per household
2.52
2.56
2.69
2.53
Drive alone
72%
71%
71%
69%
Carpool
10%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
16%
19%
14%
15%
Other means
1%
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Comal County, the rental vacancy rate in New Braunfels is 6.1%.
Much as in Comal County, 2.0% of households in New Braunfels have more than one person per room.
Much as in Comal County, a household in New Braunfels has 2.52 people on average.
The car rules in New Braunfels: 72% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in New Braunfels?
A typical home costs more than the typical income allows
We start with a typical home in New Braunfels, worth $339,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in New Braunfels, which is $86,021 a year. For that payment to be 28% of income, a household would need to earn about $125,369 a year.
The calculator's FHA and conventional loan limits are those of all of Comal County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in New Braunfels. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,879 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,925
at 7.18% · 30 years
Loan amount
$333,253
Total interest
$479,472
Paid off in
November 2056
Includes $5,732 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,007 a month
Tight
$2,007 to $2,581 a month
Hard
more than $2,581 a month
Your payment · 41%
Compared with the typical household income in New Braunfels ($86,021 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,258
Property tax
$376
Home insurance
$141
FHA mortgage insurance (MIP)
$150
You need at least $11,879 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,925; principal and interest $2,258.
The city and its county
New Braunfels and Comal County
New Braunfels is in Comal County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
New Braunfels
Map of Comal County, Texas, with New Braunfels marked. Around it, the neighboring counties.
New Braunfels
Comal County
Other cities with a page
New Braunfels's own numbers
Typical home value
$339,400
Typical monthly rent
$1,654
Typical yearly household income
$86,021
Households that own their home
65%
Effective property tax rate
1.33%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Comal County
FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,441
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.3%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Comal County.
A typical home in New Braunfels is worth $339,400: 21% below the county and 20% above Texas. With the typical household income in New Braunfels ($86,021 a year), a typical home costs 3.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
New Braunfels3.9 years
Comal4.2 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Comal County
According to FHFA’s house price index, home prices in Comal County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Comal County.
Yearly change in FHFA’s price index in Comal County, 2016 to 2025
2016: +5.2% +5.2% 2016
2017: +6.1% +6.1% 2017
2018: +6.2% +6.2% 2018
2019: +5.8% +5.8% 2019
2020: +4.0% +4.0% 2020
2021: +13.4% +13.4% 2021
2022: +24.4% +24.4% 2022
2023: +2.9% +2.9% 2023
2024: +1.3% +1.3% 2024
2025: +0.6% +0.6% 2025
Change in FHFA’s price index in Comal County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.6%
+0.8%
+2.9%
5 years (2020–2025)
+48%
+44%
+47%
10 years (2015–2025)
+93%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
New Braunfels next to Comal County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
New Braunfels$339,400
Comal$427,200
Texas$283,800
United States$332,700
Typical monthly rent
New Braunfels$1,654
Comal$1,603
Texas$1,403
United States$1,413
Typical yearly household income
New Braunfels$86,021
Comal$101,889
Texas$78,476
United States$80,734
See the full table
New Braunfels next to Comal County and Texas
Measure
New Braunfels
Comal County
Texas
U.S.
Typical home value
$339,400 ▼21% below the county
$427,200
$283,800
$332,700
Typical monthly rent
$1,654 ▲3% above the county
$1,603
$1,403
$1,413
Typical yearly household income
$86,021 ▼16% below the county
$101,889
$78,476
$80,734
Households that own their home
65% ▼11 points below the county
77%
63%
65%
Typical yearly property tax
$4,500 ▼7% below the county
$4,833
$4,232
$3,119
Effective property tax rate
1.33% ▲0.2 points above the county
1.13%
1.49%
0.94%
Renters with high rent for their income
52% ▼1 points below the county
53%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Comal County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in New Braunfels
For a typical $339,400 home in New Braunfels, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Braunfels's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,925a month
Least cash to close
Down payment
$11,879
Cash to close
$22,061
Rate
7.18%
Mortgage insurance
FHA MIP · $150
Conventional, 5% down$2,863a month
Down payment
$16,970
Cash to close
$27,152
Rate
7.18%
Mortgage insurance
PMI · $161
Conventional, 20% down, no PMI$2,357a month
Down payment
$67,880
Cash to close
$78,062
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,671a month
Down payment
$50,910
Cash to close
$61,092
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in New Braunfels
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,925
$11,879
$333,253
7.18%
FHA MIP · $150
$22,061
580
Conventional, 5% down
$2,863
$16,970
$322,430
7.18%
PMI · $161
$27,152
620*
Conventional, 20% down, no PMI
$2,357
$67,880
$271,520
7.18%
None
$78,062
620*
ITIN, 15% down (example)
$2,671
$50,910
$288,490
8.18%
None
$61,092
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in New Braunfels is $1,654 a month: 3% above the county. In New Braunfels, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Comal County, by unit size. To pay the 2-bedroom one ($1,441 a month) without spending more than 30% of your income, you would need to earn $27.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Comal County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,099
$21.13
$43,960
1 bedroom
$1,196
$23.00
$47,840
2 bedrooms
$1,441
$27.71
$57,640
3 bedrooms
$1,864
$35.85
$74,560
4 bedrooms
$2,163
$41.60
$86,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in New Braunfels
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Braunfels has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,680 in 78130 to $1,720 in 78132.
2 of the 2 are above the fair market rent for Comal County ($1,441).
Fair market rent by ZIP code and size in New Braunfels, fiscal year 2027.
78130
$1,280
$1,390
$1,680
$2,170
$2,520
78132
$1,310
$1,430
$1,720
$2,230
$2,580
ZIP code2 bd3 bd
78130 $1,680$2,170
78132 $1,720$2,230
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for New Braunfels when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 8 buildings with rents for lower incomes in New Braunfels. These are the largest.
Laurel Plaza300 Laurel Ln, New Braunfels 78130170 low-income homes · Run by New Braunfels Housing Authority · Average payment: $465 a month · Average wait: 15 months(830) 625-6909
Landa Place860 Landa St, New Braunfels 78130100 low-income homes · 1 bd: 60 · 2 bd: 40 · In service since 2007 · For older adults
Reserve at Engel Road135 Engel Rd, New Braunfels 7813296 low-income homes · In service since 2016(210) 488-7069
Eden Heights627 Lakeview Blvd, New Braunfels 7813094 low-income homes · For older adults(830) 625-6969
Residences of Solms Village2265 Goodwin Ln, New Braunfels 7813080 low-income homes · In service since 2014(830) 625-2556
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Comal County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for New Braunfels or Comal County. The ones below are statewide in Texas: they work in New Braunfels the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
The HUD-approved agencies closest to the center of New Braunfels, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
GF
Greenpath Financial Wellness
12415 Old Converse Rd, Live Oak · 16 miles away · Spanish
No legal help resource on our list is for New Braunfels or Comal County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for New Braunfels and all of Comal County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in New Braunfels?
The typical home value in New Braunfels is $339,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Comal County it is $427,200.
How much does it cost to rent in New Braunfels?
Typical rent in New Braunfels is $1,654 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Comal County is $1,441.
What is the FHA loan limit in New Braunfels?
New Braunfels uses the FHA limit for all of Comal County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.
How much property tax do owners pay in New Braunfels?
The typical homeowner in New Braunfels pays $4,500 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in Comal County, the rate is 1.13%.
Where can I find free help to buy or rent in New Braunfels?
We found no HUD-approved counseling agencies with an office in Comal County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
